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Ryan discusses the current financial landscape, focusing on the stock market's surge, crypto's explosive growth, and the implications of recent U.S. election results on investments. He highlights the importance of separating political affiliations from investment decisions and emphasizes the need for efficient government spending and lower taxes to spur economic growth. Ryan critiques recent government appointments, speculates on potential tax policy changes under Trump, and explains how reduced taxes can stimulate business growth and job creation. He invites viewers to seek financial advice for topics like retirement planning and taxation while promoting his services and radio show. 🛑 SUBSCRIBE: https://bit.ly/3ZUcpbG ☎️ CALL US TODAY TO OBTAIN YOUR NO-COST FINANCIAL FLIGHT PLAN: 844-944-7555 🌐 VISIT US HERE: https://alliedwealth.com/ 🔵 ABOUT US Welcome to the On the Money YouTube channel powered by Allied Wealth. It is our goal to release videos each week to teach you about social security, Medicare, tax strategies, investing, how to manage your 401k, managed portfolios, pensions, annuities, life insurance, risk tolerance and capacity, creating a retirement paycheck and getting the most out of the retirement resources you have. If you would like to learn more about how we add value to what you are hoping to accomplish whether thinking about retirement or in retirement or want to evaluate how well the financial path you are currently on is going visit us at www.alliedwealth.com and click on the On the Money button to schedule a free strategy session with zero obligation. You can also reach us by calling 281-444-7555. We are here to serve regardless of where you live. 👉 Join the On the Money radio show by tuning into News Radio 740KTRH Sundays at 1 P.M. 🟥 Click here for our privacy policy https://alliedwealth.com/wp-content/uploads/2018/07/Allied-Wealth-Privacy-Notice.pdf 👉 For our form CRS Chrome-extension://efaidnbmnnnibpcajpcglclefindmkaj/https://reports.adviserinfo.sec.gov/crs/crs_144351.pdf DISCLOSURE Investment advisory services are offered through AWM Financial Services Inc., an SEC registered investment adviser. The content provided is intended for informational and educational purposes only. The views, statements and opinions expressed herein are those of the individual speaker(s) and not necessarily those ofAWM Financial Services Inc and its affiliates. The information contained herein does not constitute an offer to sell any securities or represent an express or implied opinion or endorsement of any specific investment opportunity, offering or issuer. Any discussion of performance or returns is not indicative of future results. Any discussions of specific strategies are for informational purposes only and have been provided to help determine whether they may be appropriate for your specific situation. If applicable, the primary goal in converting retirement assets into a Roth IRA is to reduce the future tax liability on the distributions you take in retirement, or on the distributions of your beneficiaries. Each individual investor’s situation is different, and any ideas provided may not be appropriate for your particular circumstances. AWM Financial Services Inc only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. Nothing herein constitutes a recommendation that any security, portfolio of securities, or investment strategy is suitable for any specific person. No legal or tax advice is provided. Please review your retirement, tax, and legacy planning strategies with a legal/tax professional before transacting or implementing any strategy discussed herein. Any comments regarding safe and secure investments and guaranteed income streams refer only to fixed insurance products. They do not in any way refer to investment advisory products. Rates and guarantees provided by insurance products and annuities are subject to the financial strength of the issuing insurance company; not guaranteed by any bank or the FDIC. This is not endorsed or affiliated with the Social Security Administration, any federal Medicare program, nor any U.S. government agency. If applicable, we do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. All rights reserved. #retirement #spikespengel #wealth #investment #KLBJ
Election Takeaways: What Investors Should Know
Ryan emphasizes the importance of involving women in retirement planning, as they often outlive their spouses and face financial challenges such as reduced Social Security benefits and higher taxes as single filers. He highlights the gender wage gap, time out of the workforce for childcare, and the need for women to understand financial planning to ensure long-term security. Ryan shares insights on strategic retirement decisions, like Social Security timing and tax planning, and urges couples to work together on financial plans, with women actively participating to avoid being unprepared for future financial responsibilities. 🛑 SUBSCRIBE: https://bit.ly/3ZUcpbG ☎️ CALL US TODAY TO OBTAIN YOUR NO-COST FINANCIAL FLIGHT PLAN: 844-944-7555 🌐 VISIT US HERE: https://alliedwealth.com/ 🔵 ABOUT US Welcome to the On the Money YouTube channel powered by Allied Wealth. It is our goal to release videos each week to teach you about social security, Medicare, tax strategies, investing, how to manage your 401k, managed portfolios, pensions, annuities, life insurance, risk tolerance and capacity, creating a retirement paycheck and getting the most out of the retirement resources you have. If you would like to learn more about how we add value to what you are hoping to accomplish whether thinking about retirement or in retirement or want to evaluate how well the financial path you are currently on is going visit us at www.alliedwealth.com and click on the On the Money button to schedule a free strategy session with zero obligation. You can also reach us by calling 281-444-7555. We are here to serve regardless of where you live. 👉 Join the On the Money radio show by tuning into News Radio 740KTRH Sundays at 1 P.M. 🟥 Click here for our privacy policy https://alliedwealth.com/wp-content/uploads/2018/07/Allied-Wealth-Privacy-Notice.pdf 👉 For our form CRS Chrome-extension://efaidnbmnnnibpcajpcglclefindmkaj/https://reports.adviserinfo.sec.gov/crs/crs_144351.pdf DISCLOSURE Investment advisory services are offered through AWM Financial Services Inc., an SEC registered investment adviser. The content provided is intended for informational and educational purposes only. The views, statements and opinions expressed herein are those of the individual speaker(s) and not necessarily those ofAWM Financial Services Inc and its affiliates. The information contained herein does not constitute an offer to sell any securities or represent an express or implied opinion or endorsement of any specific investment opportunity, offering or issuer. Any discussion of performance or returns is not indicative of future results. Any discussions of specific strategies are for informational purposes only and have been provided to help determine whether they may be appropriate for your specific situation. If applicable, the primary goal in converting retirement assets into a Roth IRA is to reduce the future tax liability on the distributions you take in retirement, or on the distributions of your beneficiaries. Each individual investor’s situation is different, and any ideas provided may not be appropriate for your particular circumstances. AWM Financial Services Inc only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. Nothing herein constitutes a recommendation that any security, portfolio of securities, or investment strategy is suitable for any specific person. No legal or tax advice is provided. Please review your retirement, tax, and legacy planning strategies with a legal/tax professional before transacting or implementing any strategy discussed herein. Any comments regarding safe and secure investments and guaranteed income streams refer only to fixed insurance products. They do not in any way refer to investment advisory products. Rates and guarantees provided by insurance products and annuities are subject to the financial strength of the issuing insurance company; not guaranteed by any bank or the FDIC. This is not endorsed or affiliated with the Social Security Administration, any federal Medicare program, nor any U.S. government agency. If applicable, we do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. All rights reserved. #retirement #spikespengel #wealth #investment #KLBJ
What’s the Biggest Financial Risk Women Face in Retirement ? | On The Money
Ryan discuss concerns around retirement savings and market risk in the context of the upcoming presidential election. They highlight how many people are hesitant to adjust their 401(k) allocations due to political uncertainty, despite having high exposure to stock market risk. Ryan emphasizes that, historically, presidential outcomes have little impact on long-term market trends and advises against letting political views influence investment decisions. The conversation shifts to the importance of de-risking as retirement approaches, suggesting that people should lock in some gains rather than staying fully exposed to the volatile market, especially with the growing focus on AI investments. Spike adds that the $40 trillion U.S. retirement market is primarily in mutual funds and traditional accounts, raising concerns over a lack of diversification. 🛑 SUBSCRIBE: https://bit.ly/3ZUcpbG ☎️ CALL US TODAY TO OBTAIN YOUR NO-COST FINANCIAL FLIGHT PLAN: 844-944-7555 🌐 VISIT US HERE: https://alliedwealth.com/ 🔵 ABOUT US Welcome to the On the Money YouTube channel powered by Allied Wealth. It is our goal to release videos each week to teach you about social security, Medicare, tax strategies, investing, how to manage your 401k, managed portfolios, pensions, annuities, life insurance, risk tolerance and capacity, creating a retirement paycheck and getting the most out of the retirement resources you have. If you would like to learn more about how we add value to what you are hoping to accomplish whether thinking about retirement or in retirement or want to evaluate how well the financial path you are currently on is going visit us at www.alliedwealth.com and click on the On the Money button to schedule a free strategy session with zero obligation. You can also reach us by calling 281-444-7555. We are here to serve regardless of where you live. 👉 Join the On the Money radio show by tuning into News Radio 740KTRH Sundays at 1 P.M. 🟥 Click here for our privacy policy https://alliedwealth.com/wp-content/uploads/2018/07/Allied-Wealth-Privacy-Notice.pdf 👉 For our form CRS Chrome-extension://efaidnbmnnnibpcajpcglclefindmkaj/https://reports.adviserinfo.sec.gov/crs/crs_144351.pdf DISCLOSURE Investment advisory services are offered through AWM Financial Services Inc., an SEC registered investment adviser. The content provided is intended for informational and educational purposes only. The views, statements and opinions expressed herein are those of the individual speaker(s) and not necessarily those ofAWM Financial Services Inc and its affiliates. The information contained herein does not constitute an offer to sell any securities or represent an express or implied opinion or endorsement of any specific investment opportunity, offering or issuer. Any discussion of performance or returns is not indicative of future results. Any discussions of specific strategies are for informational purposes only and have been provided to help determine whether they may be appropriate for your specific situation. If applicable, the primary goal in converting retirement assets into a Roth IRA is to reduce the future tax liability on the distributions you take in retirement, or on the distributions of your beneficiaries. Each individual investor’s situation is different, and any ideas provided may not be appropriate for your particular circumstances. AWM Financial Services Inc only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. Nothing herein constitutes a recommendation that any security, portfolio of securities, or investment strategy is suitable for any specific person. No legal or tax advice is provided. Please review your retirement, tax, and legacy planning strategies with a legal/tax professional before transacting or implementing any strategy discussed herein. Any comments regarding safe and secure investments and guaranteed income streams refer only to fixed insurance products. They do not in any way refer to investment advisory products. Rates and guarantees provided by insurance products and annuities are subject to the financial strength of the issuing insurance company; not guaranteed by any bank or the FDIC. This is not endorsed or affiliated with the Social Security Administration, any federal Medicare program, nor any U.S. government agency. If applicable, we do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. All rights reserved. #retirement #spikespengel #wealth #investment #KLBJ
Is Your Retirement Too Exposed to Market Risk ?
Ryan discusses the "10 Retirement Blind Spots" that many people overlook, focusing on actionable strategies rather than scare tactics. He highlights critical considerations, including inflation’s impact on retirement income, particularly for women, who often outlive their partners and will manage the family’s financial legacy. Wheelis emphasizes planning for inflation by adjusting retirement plans to account for the varying rates at which costs increase across categories like healthcare, food, and insurance. He underscores the importance of women being actively involved in retirement planning and stresses that inflation affects different expense types differently, necessitating tailored approaches. 🛑 SUBSCRIBE: https://bit.ly/3ZUcpbG ☎️ CALL US TODAY TO OBTAIN YOUR NO-COST FINANCIAL FLIGHT PLAN: 844-944-7555 🌐 VISIT US HERE: https://alliedwealth.com/ 🔵 ABOUT US Welcome to the On the Money YouTube channel powered by Allied Wealth. It is our goal to release videos each week to teach you about social security, Medicare, tax strategies, investing, how to manage your 401k, managed portfolios, pensions, annuities, life insurance, risk tolerance and capacity, creating a retirement paycheck and getting the most out of the retirement resources you have. If you would like to learn more about how we add value to what you are hoping to accomplish whether thinking about retirement or in retirement or want to evaluate how well the financial path you are currently on is going visit us at www.alliedwealth.com and click on the On the Money button to schedule a free strategy session with zero obligation. You can also reach us by calling 281-444-7555. We are here to serve regardless of where you live. 👉 Join the On the Money radio show by tuning into News Radio 740KTRH Sundays at 1 P.M. 🟥 Click here for our privacy policy https://alliedwealth.com/wp-content/uploads/2018/07/Allied-Wealth-Privacy-Notice.pdf 👉 For our form CRS Chrome-extension://efaidnbmnnnibpcajpcglclefindmkaj/https://reports.adviserinfo.sec.gov/crs/crs_144351.pdf DISCLOSURE Investment advisory services are offered through AWM Financial Services Inc., an SEC registered investment adviser. The content provided is intended for informational and educational purposes only. The views, statements and opinions expressed herein are those of the individual speaker(s) and not necessarily those ofAWM Financial Services Inc and its affiliates. The information contained herein does not constitute an offer to sell any securities or represent an express or implied opinion or endorsement of any specific investment opportunity, offering or issuer. Any discussion of performance or returns is not indicative of future results. Any discussions of specific strategies are for informational purposes only and have been provided to help determine whether they may be appropriate for your specific situation. If applicable, the primary goal in converting retirement assets into a Roth IRA is to reduce the future tax liability on the distributions you take in retirement, or on the distributions of your beneficiaries. Each individual investor’s situation is different, and any ideas provided may not be appropriate for your particular circumstances. AWM Financial Services Inc only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. Nothing herein constitutes a recommendation that any security, portfolio of securities, or investment strategy is suitable for any specific person. No legal or tax advice is provided. Please review your retirement, tax, and legacy planning strategies with a legal/tax professional before transacting or implementing any strategy discussed herein. Any comments regarding safe and secure investments and guaranteed income streams refer only to fixed insurance products. They do not in any way refer to investment advisory products. Rates and guarantees provided by insurance products and annuities are subject to the financial strength of the issuing insurance company; not guaranteed by any bank or the FDIC. This is not endorsed or affiliated with the Social Security Administration, any federal Medicare program, nor any U.S. government agency. If applicable, we do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. All rights reserved. #retirement #spikespengel #wealth #investment #KLBJ
10 Retirement Risks and How to Address Them | On The Money
Ryan, discusses critical retirement "blind spots" that can impact long-term financial security. He critiques the 4% rule, often used as a retirement savings benchmark, highlighting that it doesn’t account for taxes, investment costs, or market volatility, which can lead to unpredictable income fluctuations. Instead, Wheelis suggests a strategy of "buying income and investing the rest" to stabilize cash flow, recommending diversified investments like annuities, real estate, and treasury bonds alongside growth-focused assets. He emphasizes the importance of tax planning, urging retirees to avoid tax-heavy accounts that can reduce spending power. 🛑 SUBSCRIBE: https://bit.ly/3ZUcpbG ☎️ CALL US TODAY TO OBTAIN YOUR NO-COST FINANCIAL FLIGHT PLAN: 844-944-7555 🌐 VISIT US HERE: https://alliedwealth.com/ 🔵 ABOUT US Welcome to the On the Money YouTube channel powered by Allied Wealth. It is our goal to release videos each week to teach you about social security, Medicare, tax strategies, investing, how to manage your 401k, managed portfolios, pensions, annuities, life insurance, risk tolerance and capacity, creating a retirement paycheck and getting the most out of the retirement resources you have. If you would like to learn more about how we add value to what you are hoping to accomplish whether thinking about retirement or in retirement or want to evaluate how well the financial path you are currently on is going visit us at www.alliedwealth.com and click on the On the Money button to schedule a free strategy session with zero obligation. You can also reach us by calling 281-444-7555. We are here to serve regardless of where you live. 👉 Join the On the Money radio show by tuning into News Radio 740KTRH Sundays at 1 P.M. 🟥 Click here for our privacy policy https://alliedwealth.com/wp-content/uploads/2018/07/Allied-Wealth-Privacy-Notice.pdf 👉 For our form CRS Chrome-extension://efaidnbmnnnibpcajpcglclefindmkaj/https://reports.adviserinfo.sec.gov/crs/crs_144351.pdf DISCLOSURE Investment advisory services are offered through AWM Financial Services Inc., an SEC registered investment adviser. The content provided is intended for informational and educational purposes only. The views, statements and opinions expressed herein are those of the individual speaker(s) and not necessarily those ofAWM Financial Services Inc and its affiliates. The information contained herein does not constitute an offer to sell any securities or represent an express or implied opinion or endorsement of any specific investment opportunity, offering or issuer. Any discussion of performance or returns is not indicative of future results. Any discussions of specific strategies are for informational purposes only and have been provided to help determine whether they may be appropriate for your specific situation. If applicable, the primary goal in converting retirement assets into a Roth IRA is to reduce the future tax liability on the distributions you take in retirement, or on the distributions of your beneficiaries. Each individual investor’s situation is different, and any ideas provided may not be appropriate for your particular circumstances. AWM Financial Services Inc only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. Nothing herein constitutes a recommendation that any security, portfolio of securities, or investment strategy is suitable for any specific person. No legal or tax advice is provided. Please review your retirement, tax, and legacy planning strategies with a legal/tax professional before transacting or implementing any strategy discussed herein. Any comments regarding safe and secure investments and guaranteed income streams refer only to fixed insurance products. They do not in any way refer to investment advisory products. Rates and guarantees provided by insurance products and annuities are subject to the financial strength of the issuing insurance company; not guaranteed by any bank or the FDIC. This is not endorsed or affiliated with the Social Security Administration, any federal Medicare program, nor any U.S. government agency. If applicable, we do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. All rights reserved. #retirement #spikespengel #wealth #investment #KLBJ
The 4% Rule: What You Need to Know | On The Money
Ryan discusses essential retirement planning strategies, focusing on common blind spots. He highlights the importance of accurately estimating one’s retirement nest egg, considering inflation and longevity, and emphasizes that retirement planning isn’t just about accumulating wealth but ensuring consistent income. Wheelis cautions that assets like real estate or gold may add to net worth but don’t necessarily generate income, which is essential in retirement. He shares examples, including a client with substantial assets but limited cash flow, and points out that annuities can offer reliable income. 🛑 SUBSCRIBE: https://bit.ly/3ZUcpbG ☎️ CALL US TODAY TO OBTAIN YOUR NO-COST FINANCIAL FLIGHT PLAN: 844-944-7555 🌐 VISIT US HERE: https://alliedwealth.com/ 🔵 ABOUT US Welcome to the On the Money YouTube channel powered by Allied Wealth. It is our goal to release videos each week to teach you about social security, Medicare, tax strategies, investing, how to manage your 401k, managed portfolios, pensions, annuities, life insurance, risk tolerance and capacity, creating a retirement paycheck and getting the most out of the retirement resources you have. If you would like to learn more about how we add value to what you are hoping to accomplish whether thinking about retirement or in retirement or want to evaluate how well the financial path you are currently on is going visit us at www.alliedwealth.com and click on the On the Money button to schedule a free strategy session with zero obligation. You can also reach us by calling 281-444-7555. We are here to serve regardless of where you live. 👉 Join the On the Money radio show by tuning into News Radio 740KTRH Sundays at 1 P.M. 🟥 Click here for our privacy policy https://alliedwealth.com/wp-content/uploads/2018/07/Allied-Wealth-Privacy-Notice.pdf 👉 For our form CRS Chrome-extension://efaidnbmnnnibpcajpcglclefindmkaj/https://reports.adviserinfo.sec.gov/crs/crs_144351.pdf DISCLOSURE Investment advisory services are offered through AWM Financial Services Inc., an SEC registered investment adviser. The content provided is intended for informational and educational purposes only. The views, statements and opinions expressed herein are those of the individual speaker(s) and not necessarily those ofAWM Financial Services Inc and its affiliates. The information contained herein does not constitute an offer to sell any securities or represent an express or implied opinion or endorsement of any specific investment opportunity, offering or issuer. Any discussion of performance or returns is not indicative of future results. Any discussions of specific strategies are for informational purposes only and have been provided to help determine whether they may be appropriate for your specific situation. If applicable, the primary goal in converting retirement assets into a Roth IRA is to reduce the future tax liability on the distributions you take in retirement, or on the distributions of your beneficiaries. Each individual investor’s situation is different, and any ideas provided may not be appropriate for your particular circumstances. AWM Financial Services Inc only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. Nothing herein constitutes a recommendation that any security, portfolio of securities, or investment strategy is suitable for any specific person. No legal or tax advice is provided. Please review your retirement, tax, and legacy planning strategies with a legal/tax professional before transacting or implementing any strategy discussed herein. Any comments regarding safe and secure investments and guaranteed income streams refer only to fixed insurance products. They do not in any way refer to investment advisory products. Rates and guarantees provided by insurance products and annuities are subject to the financial strength of the issuing insurance company; not guaranteed by any bank or the FDIC. This is not endorsed or affiliated with the Social Security Administration, any federal Medicare program, nor any U.S. government agency. If applicable, we do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. All rights reserved. #retirement #spikespengel #wealth #investment #KLBJ
Is $1 Million Really Enough for Retirement ? | On The Money
Financial advisor Ryan Wheless from Allied Wealth discusses retirement planning, emphasizing the importance of preparing for longevity and potential long-term care needs. He highlights that as people live longer, the likelihood of needing long-term care rises significantly, with 75% of couples aged 65 expected to require it. Ryan explains how Allied Wealth uses financial tools to simulate retirement costs, including potential long-term care expenses, to assess if clients can self-insure or need insurance options. He stresses the need for a well-rounded financial plan to accommodate various wealth levels, covering resources like Social Security, pension income, and Medicaid. 🛑 SUBSCRIBE: https://bit.ly/3ZUcpbG ☎️ CALL US TODAY TO OBTAIN YOUR NO-COST FINANCIAL FLIGHT PLAN: 844-944-7555 🌐 VISIT US HERE: https://alliedwealth.com/ 🔵 ABOUT US Welcome to the On the Money YouTube channel powered by Allied Wealth. It is our goal to release videos each week to teach you about social security, Medicare, tax strategies, investing, how to manage your 401k, managed portfolios, pensions, annuities, life insurance, risk tolerance and capacity, creating a retirement paycheck and getting the most out of the retirement resources you have. If you would like to learn more about how we add value to what you are hoping to accomplish whether thinking about retirement or in retirement or want to evaluate how well the financial path you are currently on is going visit us at www.alliedwealth.com and click on the On the Money button to schedule a free strategy session with zero obligation. You can also reach us by calling 281-444-7555. We are here to serve regardless of where you live. 👉 Join the On the Money radio show by tuning into News Radio 740KTRH Sundays at 1 P.M. 🟥 Click here for our privacy policy https://alliedwealth.com/wp-content/uploads/2018/07/Allied-Wealth-Privacy-Notice.pdf 👉 For our form CRS Chrome-extension://efaidnbmnnnibpcajpcglclefindmkaj/https://reports.adviserinfo.sec.gov/crs/crs_144351.pdf DISCLOSURE Investment advisory services are offered through AWM Financial Services Inc., an SEC registered investment adviser. The content provided is intended for informational and educational purposes only. The views, statements and opinions expressed herein are those of the individual speaker(s) and not necessarily those ofAWM Financial Services Inc and its affiliates. The information contained herein does not constitute an offer to sell any securities or represent an express or implied opinion or endorsement of any specific investment opportunity, offering or issuer. Any discussion of performance or returns is not indicative of future results. Any discussions of specific strategies are for informational purposes only and have been provided to help determine whether they may be appropriate for your specific situation. If applicable, the primary goal in converting retirement assets into a Roth IRA is to reduce the future tax liability on the distributions you take in retirement, or on the distributions of your beneficiaries. Each individual investor’s situation is different, and any ideas provided may not be appropriate for your particular circumstances. AWM Financial Services Inc only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. Nothing herein constitutes a recommendation that any security, portfolio of securities, or investment strategy is suitable for any specific person. No legal or tax advice is provided. Please review your retirement, tax, and legacy planning strategies with a legal/tax professional before transacting or implementing any strategy discussed herein. Any comments regarding safe and secure investments and guaranteed income streams refer only to fixed insurance products. They do not in any way refer to investment advisory products. Rates and guarantees provided by insurance products and annuities are subject to the financial strength of the issuing insurance company; not guaranteed by any bank or the FDIC. This is not endorsed or affiliated with the Social Security Administration, any federal Medicare program, nor any U.S. government agency. If applicable, we do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. All rights reserved. #retirement #spikespengel #wealth #investment #KLBJ
How to Prepare Financially for a Longer Retirement | On The Money
Ryan discusses the fears many Americans, particularly those over 50, have about retirement. He explains how uncertainty about the future, such as not knowing how long one will live, increases anxiety about running out of money. Ryan emphasizes the importance of financial planning, including strategies for long-term care, retirement savings, and estate planning. He also highlights tools and resources available on the Allied Wealth website, including no-cost reports and live events. He stresses the need to plan ahead, especially for long-term care, and offers practical advice on how to self-insure or explore alternatives like reverse mortgages or hybrid insurance plans. 🛑 SUBSCRIBE: https://bit.ly/3ZUcpbG ☎️ CALL US TODAY TO OBTAIN YOUR NO-COST FINANCIAL FLIGHT PLAN: 844-944-7555 🌐 VISIT US HERE: https://alliedwealth.com/ 🔵 ABOUT US Welcome to the On the Money YouTube channel powered by Allied Wealth. It is our goal to release videos each week to teach you about social security, Medicare, tax strategies, investing, how to manage your 401k, managed portfolios, pensions, annuities, life insurance, risk tolerance and capacity, creating a retirement paycheck and getting the most out of the retirement resources you have. If you would like to learn more about how we add value to what you are hoping to accomplish whether thinking about retirement or in retirement or want to evaluate how well the financial path you are currently on is going visit us at www.alliedwealth.com and click on the On the Money button to schedule a free strategy session with zero obligation. You can also reach us by calling 281-444-7555. We are here to serve regardless of where you live. 👉 Join the On the Money radio show by tuning into News Radio 740KTRH Sundays at 1 P.M. 🟥 Click here for our privacy policy https://alliedwealth.com/wp-content/uploads/2018/07/Allied-Wealth-Privacy-Notice.pdf 👉 For our form CRS Chrome-extension://efaidnbmnnnibpcajpcglclefindmkaj/https://reports.adviserinfo.sec.gov/crs/crs_144351.pdf DISCLOSURE Investment advisory services are offered through AWM Financial Services Inc., an SEC registered investment adviser. The content provided is intended for informational and educational purposes only. The views, statements and opinions expressed herein are those of the individual speaker(s) and not necessarily those ofAWM Financial Services Inc and its affiliates. The information contained herein does not constitute an offer to sell any securities or represent an express or implied opinion or endorsement of any specific investment opportunity, offering or issuer. Any discussion of performance or returns is not indicative of future results. Any discussions of specific strategies are for informational purposes only and have been provided to help determine whether they may be appropriate for your specific situation. If applicable, the primary goal in converting retirement assets into a Roth IRA is to reduce the future tax liability on the distributions you take in retirement, or on the distributions of your beneficiaries. Each individual investor’s situation is different, and any ideas provided may not be appropriate for your particular circumstances. AWM Financial Services Inc only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. Nothing herein constitutes a recommendation that any security, portfolio of securities, or investment strategy is suitable for any specific person. No legal or tax advice is provided. Please review your retirement, tax, and legacy planning strategies with a legal/tax professional before transacting or implementing any strategy discussed herein. Any comments regarding safe and secure investments and guaranteed income streams refer only to fixed insurance products. They do not in any way refer to investment advisory products. Rates and guarantees provided by insurance products and annuities are subject to the financial strength of the issuing insurance company; not guaranteed by any bank or the FDIC. This is not endorsed or affiliated with the Social Security Administration, any federal Medicare program, nor any U.S. government agency. If applicable, we do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. All rights reserved. #retirement #spikespengel #wealth #investment #KLBJ
How to Use Financial Tools to Prepare for a Secure Retirement | On The Money
Ryan, discusses current market volatility and investment strategies for retirees. He highlights how many wealthy individuals are moving away from the stock market toward bonds and private credit for stable returns. Ryan emphasizes the importance of fixed-interest investments for guaranteed retirement income and notes that private credit, now accessible to average investors, is a valuable tool for wealth preservation. He advises a balanced approach, blending income-generating funds with some speculative investments to ensure financial security and enjoyment in retirement. 🛑 SUBSCRIBE: https://bit.ly/3ZUcpbG ☎️ CALL US TODAY TO OBTAIN YOUR NO-COST FINANCIAL FLIGHT PLAN: 844-944-7555 🌐 VISIT US HERE: https://alliedwealth.com/ 🔵 ABOUT US Welcome to the On the Money YouTube channel powered by Allied Wealth. It is our goal to release videos each week to teach you about social security, Medicare, tax strategies, investing, how to manage your 401k, managed portfolios, pensions, annuities, life insurance, risk tolerance and capacity, creating a retirement paycheck and getting the most out of the retirement resources you have. If you would like to learn more about how we add value to what you are hoping to accomplish whether thinking about retirement or in retirement or want to evaluate how well the financial path you are currently on is going visit us at www.alliedwealth.com and click on the On the Money button to schedule a free strategy session with zero obligation. You can also reach us by calling 281-444-7555. We are here to serve regardless of where you live. 👉 Join the On the Money radio show by tuning into News Radio 740KTRH Sundays at 1 P.M. 🟥 Click here for our privacy policy https://alliedwealth.com/wp-content/uploads/2018/07/Allied-Wealth-Privacy-Notice.pdf 👉 For our form CRS Chrome-extension://efaidnbmnnnibpcajpcglclefindmkaj/https://reports.adviserinfo.sec.gov/crs/crs_144351.pdf DISCLOSURE Investment advisory services are offered through AWM Financial Services Inc., an SEC registered investment adviser. The content provided is intended for informational and educational purposes only. The views, statements and opinions expressed herein are those of the individual speaker(s) and not necessarily those ofAWM Financial Services Inc and its affiliates. The information contained herein does not constitute an offer to sell any securities or represent an express or implied opinion or endorsement of any specific investment opportunity, offering or issuer. Any discussion of performance or returns is not indicative of future results. Any discussions of specific strategies are for informational purposes only and have been provided to help determine whether they may be appropriate for your specific situation. If applicable, the primary goal in converting retirement assets into a Roth IRA is to reduce the future tax liability on the distributions you take in retirement, or on the distributions of your beneficiaries. Each individual investor’s situation is different, and any ideas provided may not be appropriate for your particular circumstances. AWM Financial Services Inc only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. Nothing herein constitutes a recommendation that any security, portfolio of securities, or investment strategy is suitable for any specific person. No legal or tax advice is provided. Please review your retirement, tax, and legacy planning strategies with a legal/tax professional before transacting or implementing any strategy discussed herein. Any comments regarding safe and secure investments and guaranteed income streams refer only to fixed insurance products. They do not in any way refer to investment advisory products. Rates and guarantees provided by insurance products and annuities are subject to the financial strength of the issuing insurance company; not guaranteed by any bank or the FDIC. This is not endorsed or affiliated with the Social Security Administration, any federal Medicare program, nor any U.S. government agency. If applicable, we do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. All rights reserved. #retirement #spikespengel #wealth #investment #KLBJ
How to Secure Stable Income in Retirement | On The Money
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